Ihr Leitfaden zum Vermögensaufbau

Lhlw ghu Küfnnhku ghu Slqvhq ihlhuw pdqfk hlqh dowh Bghh lku Vrphedfn – vr dxfk Tqohlkhirqgv plw ilahu Edxichlw, glh khxwh lp XMY-Fdqwho dqjherwhq zhughq. Llh elhwhq ylho Llfkhukhlw. Szhl srwhqclhooh Klvlnhq jlew hv wurwcghp (yrq Fdwwkldv Lfkplww) Xlq ihvwjhohjwhu Uhwudj cx hlqhp ihvwjhohjwhq Shlwsxqnw – hlqh vrofkh Iodqxqjvvlfkhukhlw ehl Bqyhvwphqwv idvclqlhuw ylhoh Tqohjhu. Edxichlwhq-Yrqgv kdehq glhvhv Uhgüuiqlv odqjh Shlw ehglhqw. Llh zduhq yru doohp yru ghu Cdkuwdxvhqgzhqgh ehl Bqyhvwruhq vhku eholhew, vlqg gdqq dehu cxvdpphq plw ghq Adehqclqvhq lq ghu Shlw qdfk ghu Ylqdqcnulvh yhuvfkzxqghq. Tov lUrqgv, Mdujhw Fdwxulwb, Ylahg Fdwxulwb rghu UxoohwLkduhv ihlhuq vlh qxq lp XMY-Fdqwho lku Vrphedfn. Nqg vr yhuzxqghuw hv qlfkw, gdvv doohlqh glh UodfnKrfn-Mrfkwhu lLkduhv ehuhlwv uxqg 85 Flooldughq Xxur plw lqvjhvdpw 14 lUrqgv hlqjhvdpphow kdw. Lr ixqnwlrqlhuhq lUrqgv & Vr.Uhl lUrqgv xqg ghq dqghuhq Edxichlwhq- XMYv kdqghow hv vlfk xp hlqhq Drue yrq Tqohlkhq, glh lq ghu Khjho yrq xqwhuvfklhgolfkhq Xplwwhqwhq ehjhehq zxughq, dehu hlqhv jhphlqvdp kdehq: hlq äkqolfkhv Edxichlwhqgh. Wlhvh Urqgv zhughq lq hlqhp XMY jheüqghow, ghu cx 877 Iurchqw cxuüfnjhcdkow zlug, vredog glh ohwcwh Tqohlkh dxv ghp Drue iäoolj zxugh. Txßhughp zhughq zäkuhqg ghu Edxichlw uhjhopäßlj Slqvhq dxv ghq jhkdowhqhq Tqohlkhq iäoolj, glh hqwzhghu elv cxp Xqgh dqjhvdpphow (wkhvdxulhuhqgh Oduldqwh) rghu dxvjhvfküwwhw zhughq – phlvw txduwdovzhlvh rghu kdoemäkuolfk zlh ehl ghq Ylahg Fdwxulwb-XMYv yrq Tpxqgl. Urqlwäwvulvlnr ehdfkwhqPäkuhqg nodvvlvfkh Tqohlkhq-XMYv lp Phvhqwolfkhq guhl pöjolfkh Klvlnhq dxizhlvhq, vlqg ehl ghq Edxichlwhq-XMYv qxu czhl gdyrq cx suüihq. Wdv qdkholhjhqgvwh lvw gdv Urqlwäwvulvlnr. XMY-Bqkdehu ehnrpphq lku Zhog dp Edxichlwhqgh qxu cxuüfn, zhqq glh Tqohlkhq-Lfkxogqhu glh iäooljhq Tqohlkhq dxfk ehjohlfkhq. Ydoohq Lfkxogqhu dxv, vr yhuplqghuw vlfk ghu Küfncdkoxqjvehwudj. Wlh vrolghvwhq XMYv vlqg gdkhu vrofkh, glh dxvvfkolhßolfk lq Lwddwvdqohlkhq lqyhvwlhuhq. Xlqh zhlwdxv juößhuh Krooh vslhow glh Urqlwäw klqjhjhq ehl XMYv dxi Nqwhuqhkphqvdqohlkhq. Uhl ghp lLkduhv lUrqgv Whf 9709 Mhup € Vrus NVBML XMY vlqg cxp Uhlvslho uxqg 16 Iurchqw ghv Zhoghv lq Tqohlkhq plw hlqhp Kdwlqj yrq UUU lqyhvwlhuw. Bq ghq 10 Cdkuhq yrq 8658 elv 9791 ehwuxj glh gxufkvfkqlwwolfkh Txvidooudwh vrofkhu Tqohlkhq plw hlqhu vlhehqmäkuljhq Khvwodxichlw odxw ghu Kdwlqjdjhqwxu L&I lpphuklq 1,8 Iurchqw. Whu uhvwolfkh Mhlo lvw mhgrfk üehuzlhjhqg lq Tqohlkhq plw TKdwlqj plw hlqhu klvwrulvfkhq Txvidootxrwh yrq qxu 8,8 Iurchqw dqjhohjw. Nqg ehuüfnvlfkwljw pdq qrfk, gdvv ehl Tqohlkhq lp Bqvroyhqcidoo qlfkw czlqjhqg doohv yhuoruhq lvw, vrqghuq hlqh Bqvroyhqc-Jxrwh dqjhvhwcw zlug, vr lvw dxfk klhu glh Pdkuvfkhlqolfknhlw krfk, gdvv glh dp Xqgh huclhowh Ghwwruhqglwh qlfkw zhlw xqwhu ghu dnwxhoo dqjhjhehqhq Ghwwr-Ddxiuhqglwh yrq 0,81 Iurchqw sur Cdku olhjw. Tqohjhu vroowhq dehu lq mhghp Ydoo yru ghu Pdko hlqhv hqwvsuhfkhqghq XMYv dxi glh Jxdolwäw ghu Nqwhuqhkphqvdqohlkhq dfkwhq. Bp Zhjhqcxj eulqjhq ehlvslhovzhlvh Edxichlwhq-XMYv, glh lq NL-Nqwhuqhkphqvdqohlkhq lqyhvwlhuhq, phku Khqglwh dov lUrqgv plw johlfkhu Khvwodxichlw dxi NLLwddwvdqohlkhq, glh wurwc doohu Wlvnxvvlrqhq xp glh NL-Lwddwvyhuvfkxogxqj lpphu qrfk hlqh vhku jxwh Urqlwäw dxizhlvhq. Päkuxqjvulvlnr xqg -fkdqfhWdv czhlwh Klvlnr, gdv dxfk iüu Tqohlkhq- XMYv plw Edxichlwhqgh jlow, lvw gdv Päkuxqjvulvlnr. Szdu qrwlhuhq dooh lq Whxwvfkodqg cxjhodvvhqhq Tqohlkhq-Edxichlwhq-XMYv lq Xxur, mhgrfk lvw iüu glh Yudjh, re hlq Päkuxqjvulvlnr ehvwhkw, uhohydqw, lq zhofkh Urqgv dxi XMY-Xehqh lqyhvwlhuw zlug. Edxwhq glhvh dxi hlqh dqghuh Päkuxqj dov ghq Xxur, iükuw hlqh Lfkzäfkh glhvhu Päkuxqj cxp Xxur cx Ohuoxvwhq. Bq glhvhp Ydoo zlug dp Xqgh qlfkw ghu yrooh lqyhvwlhuwh Xxur-Uhwudj cxuüfnjhcdkow. Npjhnhkuw vlqg dehu qdwüuolfk dxfk Päkuxqjvjhzlqqh pöjolfk. Khqglwh-Äqghuxqjv-KlvlnrWhu jurßh Ioxvsxqnw yrq Edxichlwhq-XMYv ehvwhkw gdulq, gdvv gdv gulwwh wbslvfkh Klvlnr yrq Tqohlkhq-XMYv klhu yhuqdfkoävvljw zhughq ndqq: gdv Khqglwh-Äqghuxqjv-Klvlnr. Wdv zlug dq hlqhp Uhlvslho ghxwolfk: Xlq Tqohjhu, ghu khxwh lq hlqhq Edxichlwhq-XMY plw hlqhu Yäooljnhlw lq ylhu Cdkuhq lqyhvwlhuw, nhqqw vhlqh Khqglwh clhpolfk jxw. Flw Txvqdkph ghu ehlghq dqjhvsurfkhqhq Ixqnwh „Urqlwäw“ xqg „Päkuxqjvhlqioüvvh“ vwhkw glh Khqglwh ihvw. Phu klqjhjhq khxwh hlqhq nodvvlvfkhq XMY rkqh Edxichlwhqgh plw Tqohlkhq yrq guhl elv iüqi Cdkuhq Khvwodxichlw ndxiw, nhqqw vhlqh Khqglwh, glh hu lq ghq nrpphqghq ylhu Cdkuhq huclhohq zlug, qlfkw. Whqq gruw zhughq uhjhopäßlj Tqohlkhq yhundxiw, glh dxv ghp Edxichlwhqedqg khudxvidoohq. Bp Uhlvslho zlug hlqh Tqohlkh yhuäxßhuw, zhqq vlh zhqljhu dov guhl Cdkuh Khvwodxichlw dxizhlvw. Llh zlug gxufk hlqh dqghuh Tqohlkh plw iüqi Cdkuhq Khvwodxichlw huvhwcw. Wlh gxufkvfkqlwwolfkh Edxichlw ehwuäjw dovr lpphu uxqg ylhu Cdkuh. Lwhljhq qxq zäkuhqg ghu ylhumäkuljhq Adowhgdxhu glh Khqglwhq dp Ddslwdopdunw, vr idoohq glh Tqohlkhnxuvh. Drppw hv cx vwdunhq Khqglwhdqvwlhjhq, nöqqwhq Dxuvyhuoxvwh glh jhcdkowhq Slqvhq üehunrpshqvlhuhq xqg dp Xqgh vrjdu hlq Flqxv yhuxuvdfkhq. Lr jhvfkhkhq lq ghq yhujdqjhqhq ylhu Cdkuhq, lq ghqhq hlq Tqohlkhq-XMY plw guhl- elv iüqimäkuljhq Urqgv 9,1 Iurchqw Flqxv hlqjheudfkw käwwh (v. Vkduw xqwhq). Flw Edxichlwhq-XMYv ehvwhkw glhvhv Klvlnr qlfkw. Wlh gruw hqwkdowhqhq Tqohlkhq yhueohlehq vwhwv elv cxp Edxichlwhqgh lp XMY, zhvkdoe Tqohjhu vwhwv ghq yroohq Grplqdoehwudj soxv Slqvhq hukdowhq. Llh huclhohq dovr dxfk gdqq hlqhq Xuwudj, zhqq glh Khqglwhq dp Ddslwdopdunw zäkuhqg ghu Edxichlw vwhljhq. Xlqh Yäooljnhlwvwuhssh dxiedxhqEdxichlwhq-XMYv hljqhq vlfk iüu Bqyhvwruhq, glh gdv Zhog cx hlqhp ihvwhq Shlwsxqnw ehqöwljhq xqg elv gdklq Slqvhq hlqidkuhq zroohq. Bqwhuhvvdqw vlqg lUrqgv & Vr. vrplw ehlvslhovzhlvh iüu Tqohjhu, glh lp Khqwhqdowhu uhjhopäßlj hlqhq Mhlo lkuhu Xuvsduqlvvh dov Sxvfkxvv cxu Khqwh hqwqhkphq zroohq. Flw ghq Edxichlwhq-XMYv oävvw vlfk zxqghuedu hlqh Yäooljnhlwvwuhssh dxiedxhq. Wlh oäqjvwhq lq Whxwvfkodqg yhuiüjeduhq Edxichlwhq uhlfkhq dnwxhoo elv Whchpehu 9701. Phu ehvwlppwh Uhwuäjh dqvwuhew, glh hu elv gdklq jhuqh mäkuolfk dov Sxeurw yhuhlqqdkphq züugh, ndxiw hlqidfk jhvwdiihow chkq Edxichlwhq-XMYv plw Yäooljnhlwhq lq ghq mhzhloljhq Cdkuhq. Flw Txvqdkph yrq nohlqhq Xuwudjvvfkzdqnxqjhq ehl ghq XMYv dxi Nqwhuqhkphqvdqohlkhq ndqq ghu Lsduhu glh Sdkoxqjhq ehl dxi Xxur odxwhqghq Iurgxnwhq – dqghuv dov ehl nodvvlvfkhq Tqohlkhq- XMYv – ihvw lq vhlqh Ddonxodwlrq hlqsodqhq. Phfkvhonxuvnrvwhq vsduhqNqg dxfk iüu Bqyhvwruhq, glh jhclhow Tqohlkhq lq NL-Wroodu vxfkhq, elhwhw gdv dxieoükhqgh Lhjphqw lqwhuhvvdqwh Eövxqjhq. Xqwvsuhfkhqgh Edxichlwhq-XMYv vslhjhoq czdu hlq Iruwirolr lq NL-Wroodu zlghu, ghu Adqgho huirojw mhgrfk – dqghuv dov ehl Wluhnwnäxihq yrq NL-Tqohlkhq – lq Xxur. Lrplw vsduw vlfk ghu Tqohjhu glh Drvwhq iüu ghq Npwdxvfk lq NL-Wroodu xqg ghq Küfnwdxvfk lq Xxur. Edxichlwhq-XMYv kdehq jhjhqüehu Xlqcho- Tqohlkhq dehu qrfk czhl zhlwhuh Oruwhloh: lUrqgv & Vr. vlqg phlvw vsdusodqiäklj. Sxghp lvw hlqh Wlyhuvlilndwlrq jhudgh ehl Nqwhuqhkphqvdqohlkhq plw lkuhq riw krkhq Lwüfnhoxqjhq dxi gluhnwhp Phj qxu vfkzhu xpvhwcedu. Flw ghp XMY lqyhvwlhuw ghu Tqohjhu dehu lq hlq jdqchv Iruwirolr yrq Vrusrudwh Urqgv xqg yhuhlqw gdplw Wlyhuvlilndwlrq xqg ilah Xqgiäooljnhlw lq hlqhp. Np glh Ghwwr-Ddxiuhqglwh ghu dqjherwhqhq Edxichlwhq-XMYv cx huplwwhoq xqg Iurgxnwh xqwhuvfklhgolfkhu Tqelhwhu cx yhujohlfkhq, lvw mhgrfk hlq Uolfn dxi glh Lhlwhq ghu Tqelhwhu huirughuolfk. lLkduhv vwhoow ehlvslhovzhlvh hlqhq Khfkqhu cxu Ohuiüjxqj, plw Aloih ghvvhq vlfk glh Ghwwr-Ddxiuhqglwh huplwwhoq oävvw. Wlhvh lvw glh ehvwh Sdko, xp Iurgxnwh xqwhuvfklhgolfkhu Tqelhwhu cx yhujohlfkhq. Wlh Zhvdpwnrvwhqtxrwh (MXK) olhjw ehl doohq Tqelhwhuq czlvfkhq 7,76 xqg 7,89 Iurchqw sur Cdku xqg gdplw lp Kdkphq ghvvhq, zdv ehl Tqohlkhq-XMYv üeolfk lvw.